Date Received: 2022-12-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07080
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2022, I made an early payment to my credit-card company in the amount of {$10000.00}. ( Payment was due XX/XX/2022. ) This was a bank-based payment, drawn on my regular bank. My account has never been late. Instead of crediting this payment within 48 hours, as has been the company 's usual practice, the company had not credited the payment to my account as of XX/XX/XXXX, five days after the payment was made. The money had been debited from my bank. As a result, my credit card was over its limit, and charges were being declined. I called the company to inquire and complain, and was told that, due to the high amount of the XX/XX/2022 payment, the company would not be posting my payment until XX/XX/XXXX -- EIGHT DAYS AFTER I MADE THE PAYMENT. This was bad enough. However, it turns out that the representative who assured me that the payment I made would be posted " on XX/XX/XXXX '' was a XXXX XXXX XXXX The payment was not posted on the XXXX. I checked the credit card 's website, only to see that my account remained " over the limit. '' I called the company again on XX/XX/2022, only to be told by a second Customer Service Rep that by " XX/XX/XXXX '' they actually meant " XXXX '' of XX/XX/XXXX. NO! XXXX of a given date is not that date!! It is the NEXT DAY! XXXX ( or even, for all intents and purposes, XXXX XXXX ) of XX/XX/XXXX is ACTUALLY XXXXXXXX XXXX I then spoke with a Supervisor, who looked over details of my prior contact with the company and acknowledged that I had, indeed, been promised that funds would be available on the XXXX. This Supervisor also acknowledged that a " reasonable person '' would NOT take " XX/XX/XXXX '' to mean " midnight '' on XX/XX/XXXX. Furthermore, the Supervisor actually acknowledged that the credit card company HAS HAD POSSESSION OF MY FUNDS since XX/XX/XXXX. This is fraud, or certainly borderline fraud, and it is also mis-use of my money. The credit-card company refused, point-blank and repeatedly, to credit my account, even on XX/XX/2022, with the funds I have paid. They refused to increase my credit limit, so that I could make charges ( including automatic charges ). XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 012XX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: CareCredit/Synchrony bank changed their website where I have been scheduling my payments for time, they recently changed the payment site where you can not find the section that give you the option to schedule your payment. There is a popup that shows just a summary of your accounts and also a payment can be made from that option but there is a problem because your payment will not be made from that point. I am disputing my XXXX payment it was not late. I scheduled it on the XXXX, and it does not go through until it is submitted. I was charged a late fee because the statement shows it posted on the XXXX also {$30.00} charge. This is not my fault I received a confirmation number XXXX but evidently their system did not note this. There was a system problem with Synchrony in recording my payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I placed XXXX orders with XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. 1st order : XXXX XXXX XXXXXXXX {$98.00} XXXX XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX {$40.00} Total purchase # 1 {$150.00} this was an incorrect order and wrote email to vendor to cancel. received acknowledgement but no action or further response received. There is a XXXX cancellation & return for full refund. Communicated to Synchrony & XXXX but didn't provide return address. 2nd Order : XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX {$38.00} XXXX XXXX XXXX filters {$48.00} Total purchase # 2 {$360.00} this order was received nearly 2 months later. I contacted vendor by website mail, XXXX and Synchrony Bank to cancel but no response other than research/investigation from credit card. XXXX was received but I didn't need this any longer. Attached is Synchrony Bank 's summary of transactions and dates. It will make you dizzy. Neither XXXX or Synchrony Bank provided the vendor 's customer service contact and shipping address. I was given a phone number on the statement but that didn't work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022 SYNCHRONY supposed to withdraw from my account the amount of {$28.00} dollars for the payment of some furniture purchased at XXXX XXXX XXXX, on XXXX the XXXXXXXX XXXX, I discovered that they have withdrawn {$970.00} dollars from my account, my account balance was {$340.00} and this transaction overdrawn my account by {$800.00} dollars, I went ahead and contacted them, because the agreed price was {$28.00}, their response was that i have set up the autopay for the whole amount, which makes no sense, because if Im planning on paying the whole amount I wont set it up on auto payment I will just go ahead an pay it, and their team response was that they would issue a refund with a check that will take 2 to 3 weeks to get to my home, I explained to them that i need to put gas and do groceries specially during this month of XXXX, and they did not offer any other solution. On the night of the XXXX a guy named XXXX allegedly put a stop payment which was a lie and the payment got posted to my account. Ive called my bank and they have to issue an investigation, but it will also take quite a while, my husband paycheck is coming not XX/XX/2022 and more than half of that will go towards covering the overdraft caused by the people at SYNCHRONY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I purchased a mattress at Mattress firm, I was approved and signed up for an in-store credit card with them through Synchrony bank. I logged into their website to make a payment and sign up for auto pay. Beforehand I was informed by a representative over the phone that if I wait until XX/XX/XXXX to make a payment on the card I could have Auto-Pay auto-draft from my account on the XXXX of the month instead of the end of the month. ( The wife and myself get paid at the beginning of the month so we like our payments early on it helps with budgeting. ) Well on XX/XX/XXXX I logged into their site and set up auto-pay along with my first payment of {$120.00}. Well around XX/XX/XXXX I checked my bank balance to see that my account was negative XXXX. I was charged the entire statement balance of the card from Synchrony bank at the end of the month. As I'm panicking because XXXX is coming up and I'm XXXX dollars in the whole, my bank even said the amount was posted and not pending. My Synchrony balance showed that my balance was XXXX owed as opposed to the XXXX that I owed at the time of setting up my auto-pay. Meanwhile I reach out to Synchrony via website text chat. There was no option to print out a transcript of the conversation but I was told from the first person that they would send me a check to fix the error and asked for my address. I got disconnected from the chat and reconnected with someone else, they informed me that they cant send a check and that the employee who said that was new. They explained to me that since my account didn't have the funds that my bank should cancel the transaction automatically in the morning. Skeptical, I reached out to Regions and got a hold of an agent via text chat as well who was extremely helpful. By XXXX the next morning the transaction was refused and my Synchrony balance was back at the original amount. That is a very stressful situation. I cancel auto pay and go back into the auto pay screen and very sneakily is the option in three radio button style set up, the options include, XXXX XXXX, XXXX XXXX XXXX or pay Minimum balance ( XXXX ). Well apparently I had XXXX XXXX XXXX selected as default. I don't know about you but when I set up for auto-pay, I think one would by default only want to pay the minimum or a custom amount before setting up auto pay to have them draft the entire amount for just one month. Autopay literally makes zero sense for just one month, the entire balance. I now owe a XXXX dollar fee for my monthly payment this month for my account refusing the payment. It's XXXX dollars, not a huge deal whatever, I'll pay it but I'm willing to bet that this is something that is recurring at Synchrony where many people who sign up for auto-pay have this happen to them and Synchrony gets to reap the benefits of tacking on a fee. I'm not sure what can be done at this point but I'm one month into working with them and this is entirely unacceptable. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72113
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Last 2 years I have tried to no avail to challenge my accounts on the credit reporting agencies. I also retained XXXX XXXX which is a credit repair company and they had little to no luck
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXXXXXX On XXXX XXXXXXXX they reported I applied for credit. I did not? This is the second time they have sent a notice with in 2 months. Something is seriously going on? My social security number is compromised? Please help me find out where these requests are coming from. Please have them taken care of Ref : XXXX XXXX This was for car care? XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 138XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These account was open up fraudulently without my knowledge, And any proceeding that was used I didn't receive any. Brandsmart-Sync/BRMART Acct # XXXX Open XX/XX/XXXX Credit Amount : {$1200.00} Used Amount : {$1500.00} XXXX XXXX- Acct # XXXX Open XX/XX/XXXX XXXX XXXX : {$300.00} Used Amount : {$600.00} XXXX XXXX XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$4500.00} Used Amount : {$4500.00} XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$2800.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: First of all this is a medical debt from more than 7 years ago. In XX/XX/XXXX I suffered a serious work accident that made it impossible for me to work for more than 3 years. When this happened, I called the cards that I was paying to inform them that I would not be able to pay the debt, telling them about the situation and wanting to reach a payment arrangement. They did not want to understand the situation nor did they want to come to a payment arrangement with me. In XXXX I received a letter from a XXXX that they put into my bank account withdrawing around {$500.00} in order to collect this debt. Now again on XX/XX/XXXX my bank account was seized and debited in the amount of {$490.00}. There was no previous notice for this nor the right or opportunity to defend myself. IS THIS LEGAL??? I ask sarcastically being sure not. On countless occasions I have tried to contact them and they do not respond, when they do they can not answer me because I do not speak XXXX and they do not have anyone available in XXXX or translation for me. This is discrimination and also, they have made it impossible for me to reach an agreement which is too unfair and goes against my rights as a consumer. This is not in compliance with the equal opportunity law that these companies are supposed to abide by. I did not receive any news of any of this in my mail. This is super illegal. Currently, I am the head of the family, I have a wife and XXXX dependent children who depend on my work to survive. I have spent hours and hours on hold trying to contact them. They have damaged my credit and my rent payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33406
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A